Reviewing PCB Bancorp (NASDAQ:PCB) & NBC Bancorp (OTCMKTS:NCXS)

PCB Bancorp (NASDAQ:PCB) and NBC Bancorp (OTCMKTS:NCXS) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, earnings, risk, valuation, institutional ownership, dividends and analyst recommendations.

Insider and Institutional Ownership

33.0% of PCB Bancorp shares are held by institutional investors. 27.0% of PCB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for PCB Bancorp and NBC Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PCB Bancorp	0	3	0	1	2.50
NBC Bancorp	0	0	0	0	0.00

PCB Bancorp presently has a consensus target price of $27.75, indicating a potential upside of 0.95%. Given PCB Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe PCB Bancorp is more favorable than NBC Bancorp.

Valuation & Earnings

This table compares PCB Bancorp and NBC Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PCB Bancorp	$209.37 million	1.84	$37.45 million	$2.89	9.51
NBC Bancorp	N/A	N/A	N/A	N/A	N/A

PCB Bancorp has higher revenue and earnings than NBC Bancorp.

Profitability

This table compares PCB Bancorp and NBC Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
PCB Bancorp	19.65%	12.91%	1.24%
NBC Bancorp	N/A	N/A	N/A

Summary

PCB Bancorp beats NBC Bancorp on 9 of the 9 factors compared between the two stocks.

About PCB Bancorp

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and trade finance, remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.

About NBC Bancorp

NBC Bancorp, Inc., operates as the bank holding company for National Bank of Coxsackie that provides various banking products and services in the United States. The company offers checking and savings accounts, young adult accounts, and Christmas club accounts; car/truck loans, boat/motorcycle loans, personal loans, recreational vehicle loans, farm equipment loans, camping and utility trailer loans, mortgages, construction loans, home equity loans, small business loans, commercial new building loans, building rehabilitation loans, and lines of credit; and debit and credit cards. It also provides cash management, merchant, and online and mobile banking services, as well as safe deposit boxes. The company was founded in 1852 and is based in Coxsackie, New York.